Car Insurance, Essential Information About Excess Payments An overpayment is the fixed contribution you must pay each time when your car is repaired through your car insurance. Normally, the payment directly to the accident repair, when you pick up the car. If your car is declared a rejection will deduct your insurance Deductible agreed compensation to you. If the accident was the fault of the other driver, which is adopted by the Insurer of the others, you will be able to receive payments through the insurance of the other person. But what if the other driver is You? All drivers know that there is a legal obligation (under Article 143 of the 1988 Act) have insurance for damages, to cause others. But many unit without insurance. An estimate of the incidence of uninsured driving in the UK is difficult to achieve and For obvious reasons, these drivers to break the law involved in every reason to keep quiet about it. Calculations Department To transport suspect that in the UK around 5% of the vehicles are driven without valid insurance. This group of people not only impose costs on honest Motorists in the form of higher premiums, but their presence on our roads also represents a serious danger to other road users. Therefore, uninsured Driving is increasingly seen as a major social problem. But driving without insurance is not a victimless crime. If you have an accident with an uninsured driver and the accident was not your fault, the repair cost of the national insurance office ", which is funded paid fully by the industry or by your insurer. Therefore, if you are involved in an accident caused by an uninsured driver, you are eventually Car repaired, but you still have to pay the excess, and that nobody recover its excess. What is a compulsory excess? A mandatory Excess of the minimum excess of your insurance your insurance company will accept. Minimum excess depends on your personal data and driving record and insurance. Today the average excess is about 100 €, but younger drivers could be faced with excesses of up to € 500 - Could accommodate older drivers and more experience with good driving a surplus of only $ 50 will be offered. So, what is deductible? For Reduce your insurance premium, you can have more excess compulsory excess demanded by your insurance company to pay. Their volunteer Excess of the additional amount above the compulsory excess in case of a claim that you agree to pay on the policy. How large excess reduces the financial risk carried by your insurer, the insurer I can offer you a significantly lower premium. The garage has repaired my car but it will not release the car too, until I pay the excess policy. Is that true? Yes, it is common practice. But ensure that the insight Car if he collects. Make sure that the repair is perfect. Then make sure you keep your receipt for the overpayment as you need, this. If you ask an insurance against third And just in case there is a dispute, it's a good idea to ensure that the repair is a repair program. This shows a list of all repairs made to your car.